Pets Best | Pet Insurance Review

4.9

out of 5

Number of reviews 14,573

Founded by veterinarian Dr. Jack Stephens, Pets Best insures cats and dogs in every state and has paid nearly $150 million in claims since 2005. is recommended by veterinarians across the U.S. Learn more about Pets Best plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
1

out of 5

POSTED: | BY: Danielle

Not happy with PetsBest

I chose PetsBest based on other reviews I read & Reddit threads saying they processed things quickly and were a good company. I am not happy so far--my first issue is technology. I had to reset my password, and when I clicked the reset link in my email, I got some message that the token was already used (it wasn't). There was absolutely no way to reset my password at that point, meaning I had to get in touch with the company. There is no way to email them, and the chat on their website said nobody was available/I had to call. When I called, I was on hold for an ungodly amount of time and never even reached a person. Eventually, I found my password and finally logged in- but what would have happened if I never found it??? Second, in regards to claims, they take SO LONG to process. Reviews & threads said that they were fast, but that was obviously not true. I get emails apologizing for the delay and it just takes far too long to get things processed. I am not really happy with my experience so far and am grateful I only paid quarterly and that my dog is still young enough so I can switch companies. I do not recommend Pets Best.
1

out of 5

POSTED: | BY: Maria

Pets Best is TERRIBLE!

Pets Best is good at taking your money and denying claims! Why pay premium for your furry baby when you have zero peace of mind with this insurance carrier. Shame on them!
1

out of 5

POSTED: | BY: kristi jacobson

NO! HORRIBLE PET INSURANCE COMPANY

This is the worst, most disorganized company I've ever dealt with for any service. Somebody needs to be fired. They constantly have tech problems, lose documents, and take an ungodly amount of time to answer phone calls. Some claims are processed quickly, others take forever. Stay away, and use Fetch Pet Insurance.
1

out of 5

POSTED: | BY: Amy

Unsure what the problem is

I've been trying to get a claim submitted since 11/17 (it's now 12/29) and I have no idea what the issue with pets best is. Right off the bat, every single claim I've submitted takes so long that they send me multiple emails apologizing for the delay. For every. Single. Claim. So I wasn't too surprised when this one took a while. However when they finally reached out to the vet for medical records, they claimed they never received a response and canceled the claim. So I called the vet and they emailed me the form from pets best that they had filled out and sent back to them. So I think okay maybe because my pet is under a different last name at the vet, I should clarify that even though it's kind of obvious that it's my pet, maybe they just have an automated system that didn't figure it out. So I resubmitted the claim with the records, and I'm STILL waiting. Anyone with a brain can look at the records and figure it out, as a matter of fact, it could probably be done by AI with no problems. Moral of the story is, I think they have a single gerbil handling all their claims because that's the only reason I can think of as to why filing a claim with them is so torturous. I wish I could switch to a different insurance company but of course that means my pet's now "pre-existing conditions" wouldn't be covered.
5

out of 5

POSTED: | BY: Tammy

Great Customer Service

"I appreciate how easy it is to file a claim and the fact that I receive notifications that the claim was received, the status of it, and whether or not there are any delays in processing my claims. I'm happy with this insurance for my pup, who has some chronic allergy and stomach issues.

Monthly Cost

$6 and up, depending on your chosen plan.

Coverage

Accident and Illness plans with optional reimbursement levels of 70%, 80%, or 90% after the deductible. Flat Rate Accident coverage for $9/month for dogs and $6/month for cats. (Available in most states). Two optional Wellness plans to cover routine care. 24/7 Pet Helpline, powered by whiskerDocs is included on all policies. The pay-out amount is based on your actual vet bill. Reimbursements are sent directly to CareCredit credit card when chosen as your default reimbursement method. Choose to have your eligible claim payment reimbursed directly back to your CareCredit card.

Payout Limits

$5000 -Unlimited annual limit, depending on your chosen plan. Unlimited lifetime limits.

Deductible

$50 – $1,000 annually.

Age Limits

Pet must be at least 7 weeks old to enroll. Pets Best does not restrict coverage or availability for older pets.

Waiting Period

A waiting period refers to the amount of time after enrolling before your pet is eligible for coverage. Waiting periods vary by the type of coverage and start on the effective date of your policy. Once met, waiting periods are waived for continuous, uninterrupted policy renewals. Pets Best offers some of the shortest waiting periods in the industry following the policy effective date. Get a quote for specific information on waiting periods in your state.

Exclusions

Pre-existing conditions are not covered. Elective and preventive procedures are not covered.

Disclosures

Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. For all terms visit www.petsbest.com/policy. Products, schedules, discounts, and rates may vary and are subject to change. Premiums are based on and may increase or decrease due to the age of your pet, the species or breed of your pet, and your home address.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company (NAIC #12190), a New York insurance company headquartered at 6100 4th Ave. S. Suite 200 Seattle, WA 98108, or Independence American Insurance Company (NAIC #26581), a Delaware insurance company located at 11333 N. Scottsdale Rd. Ste. 160 Scottsdale, AZ 85254 or MS Transverse Insurance Company (NAIC #21075), located at 15 Independence Blvd. Suite 430, Warren, NJ 07059. Pets Best Insurance Services, LLC (NPN #8889658, CA agency #0F37530) is a licensed insurance agency located at 11333 N. Scottsdale Rd. #160 Scottsdale, AZ 85254. Each insurer has sole financial responsibility for its own products. Please refer to your declarations page to determine the underwriter for your policy. Terms and conditions apply. See your policy for details.

Pets Best was founded by veterinarian Dr. Jack Stephens, whose passion for saving pets led him on a mission to provide access to comprehensive, yet affordable, animal healthcare. Pets Best offers pet insurance for dogs and cats in every state and has paid nearly $150 million in claims since 2005. Pets Best is rated 9.6 out of 10 (TrustPilot) and is recommended by veterinarians across the U.S. Built upon a legacy of innovation, it focuses on putting customers first by offering unlimited accident and illness plans, wellness plans, a mobile app, a 24/7 Pet Helpline (powered by whiskerDocs), and more.

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